CVNA vs PAG vs KMX
161 measures in 16 categories, one definition each, computed from filings and market data.
PAG44.2
Penske Automotive Group, Inc.
Consumer Cyclical · Auto - Dealerships
$212.42 +0.19%$13.9B mkt cap
Score DNA
Price, rebased to 100 three years ago
CVNA PAG KMX · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Insider open-market buys, 180d | 4 | 0 | 6 |
| Insider $ bought, 180d | $3.09M | — | $1.27M |
| Congress purchases, 180d | 4 | 0 | 1 |
| Last Congress purchase | 2026-09-11 | — | 2026-08-19 |
| 13F net change in holders | +39 | +24 | — |
| ETFs adding shares, 30d | 921 | 243 | 260 |
| ETFs trimming, 30d | 730 | 208 | 181 |
| Net ETF funds, 30d | +191 | +35 | +79 |
Valuation
16 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| P/E (TTM) | 41.2x
100th
|
14.9x
50th
|
25.9x
75th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | — | — | — |
| Price / sales | 2.6x
93rd
|
0.4x
43rd
|
0.3x
36th
|
| Price / book | 16.0x
100th
|
2.4x
64th
|
1.2x
21st
|
| Price / tangible book | 12.3x
75th
|
6.8x
50th
|
1.4x
0th
|
| Price / free cash flow | 69.5x
83rd
|
29.2x
50th
|
6.6x
8th
|
| Price / operating cash flow | 57.6x
93rd
|
17.7x
71st
|
4.7x
7th
|
| Enterprise value | $67.0B
100th
|
$23.1B
86th
|
$25.3B
93rd
|
| EV / sales | 2.7x
86th
|
0.7x
36th
|
0.9x
50th
|
| EV / EBITDA | 471.9x
100th
|
13.5x
62nd
|
24.3x
92nd
|
| EV / EBIT | — | 15.0x
33rd
|
37.8x
92nd
|
| EV / free cash flow | 72.1x
83rd
|
48.4x
58th
|
22.0x
25th
|
| Earnings yield | 2.4%
14th
|
6.7%
57th
|
3.9%
36th
|
| FCF yield | 1.4%
29th
|
3.4%
57th
|
15.1%
93rd
|
| Operating cash flow yield | 1.7%
7th
|
5.7%
29th
|
21.1%
93rd
|
| Graham number (per share) | $16.11
17th
|
$168.45
67th
|
$45.21
33rd
|
Profitability (TTM)
12 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Gross margin | 19.4%
64th
|
16.1%
29th
|
10.1%
0th
|
| EBITDA margin | 0.6%
7th
|
5.2%
43rd
|
3.8%
29th
|
| Operating margin | 8.9%
79th
|
3.8%
36th
|
-0.5%
7th
|
| EBIT margin | -0.5%
7th
|
4.7%
50th
|
2.4%
14th
|
| Net margin | 6.3%
86th
|
2.8%
57th
|
1.1%
14th
|
| NOPAT margin | 7.1%
79th
|
2.8%
43rd
|
-0.3%
14th
|
| FCF margin | 3.7%
64th
|
1.5%
36th
|
4.1%
71st
|
| Operating cash flow margin | 4.5%
43rd
|
2.4%
29th
|
5.8%
57th
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 10.4%
7th
|
11.8%
43rd
|
9.2%
0th
|
| Stock comp / revenue | 0.3%
64th
|
0.1%
7th
|
0.4%
71st
|
| Effective tax rate | 21.0%
31st
|
26.0%
69th
|
35.7%
92nd
|
Returns on capital
11 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| ROE (on average equity) | 54.5%
100th
|
16.4%
64th
|
4.7%
14th
|
| ROA | 13.1%
100th
|
5.2%
71st
|
1.1%
14th
|
| ROIC | 27.1%
100th
|
6.1%
29th
|
-0.4%
14th
|
| ROCE | -1.0%
7th
|
13.0%
86th
|
2.8%
21st
|
| Return on tangible assets | -1.1%
7th
|
8.6%
79th
|
2.5%
21st
|
| Cash ROIC (OCF / invested capital) | 17.2%
79th
|
5.3%
21st
|
6.7%
36th
|
| Gross profitability (GP / assets) | 33.4%
79th
|
28.7%
50th
|
10.7%
0th
|
| ROIC, 3-yr average | 42.4%
100th
|
5.7%
42nd
|
0.7%
17th
|
| ROIC, 5-yr average | — | 9.2%
45th
|
1.8%
18th
|
| ROE, 5-yr average | — | 22.7%
82nd
|
8.5%
18th
|
| Incremental ROIC | 73.1%
100th
|
20.1%
50th
|
36.2%
75th
|
Growth
17 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Revenue growth (TTM YoY) | 54.0%
100th
|
7.7%
75th
|
3.0%
50th
|
| Revenue growth (QoQ) | 14.7%
100th
|
8.3%
79th
|
-1.7%
0th
|
| Revenue CAGR, 3 yr | 28.5%
100th
|
4.6%
50th
|
-1.1%
25th
|
| Revenue CAGR, 5 yr | 22.9%
92nd
|
6.0%
25th
|
0.3%
8th
|
| Gross profit CAGR, 3 yr | 63.5%
100th
|
2.7%
58th
|
-2.7%
33rd
|
| Operating income CAGR, 3 yr | — | -5.0%
78th
|
— |
| Net income growth (TTM YoY) | 178.5%
100th
|
-2.2%
70th
|
-43.9%
10th
|
| Net income CAGR, 3 yr | — | -8.9%
89th
|
-13.6%
33rd
|
| EPS growth (TTM YoY) | -46.1%
10th
|
-1.6%
80th
|
-40.5%
20th
|
| EPS CAGR, 3 yr | — | -7.8%
67th
|
-10.3%
33rd
|
| EPS CAGR, 5 yr | — | 3.5%
80th
|
-21.9%
0th
|
| FCF growth (TTM YoY) | 51.1%
67th
|
-33.6%
44th
|
67.3%
78th
|
| FCF CAGR, 3 yr | — | -17.6%
17th
|
53.9%
67th
|
| Operating cash flow CAGR, 3 yr | — | -12.6%
10th
|
29.1%
80th
|
| Book value CAGR, 3 yr | — | 11.3%
73rd
|
5.5%
18th
|
| Dividend CAGR, 3 yr | — | 6.0%
80th
|
— |
| Sustainable growth rate | 54.5%
100th
|
10.0%
58th
|
4.7%
0th
|
Margin history & stability
7 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Gross margin, 3-yr average | 19.2%
58th
|
16.4%
33rd
|
10.8%
0th
|
| Operating margin, 3-yr average | 7.2%
92nd
|
4.1%
42nd
|
0.7%
17th
|
| Net margin, 3-yr average | 5.3%
92nd
|
3.0%
67th
|
1.5%
25th
|
| FCF margin, 3-yr average | 4.6%
100th
|
2.1%
58th
|
2.9%
92nd
|
| Revenue stability (0-1) | 0.76
42nd
|
0.97
92nd
|
0.02
0th
|
| Earnings stability (0-1) | 0.52
92nd
|
0.23
67th
|
0.76
100th
|
| Margin stability (0-1) | 0.72
0th
|
0.98
100th
|
0.88
25th
|
Liquidity (latest quarter)
7 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Cash & short-term investments | $3.1B
100th
|
$69.5M
21st
|
$170.5M
50th
|
| Net cash (− = net debt) | −$2.5B
50th
|
−$9.2B
21st
|
−$17.7B
0th
|
| Working capital | $6.0B
100th
|
−$163.9M
21st
|
$2.9B
93rd
|
| Current ratio | 3.93
100th
|
0.98
29th
|
2.33
93rd
|
| Quick ratio | 2.33
100th
|
0.21
7th
|
0.57
64th
|
| Cash ratio (cash + ST investments / current liabilities) | 1.54
100th
|
0.01
7th
|
0.08
57th
|
| Defensive interval (days) | 646 days
93rd
|
102 days
36th
|
50 days
0th
|
Leverage & solvency (latest quarter)
13 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Total debt | $5.6B
64th
|
$9.3B
79th
|
$17.9B
100th
|
| Debt / equity | 1.40
36th
|
1.59
50th
|
2.83
79th
|
| Net debt / equity | 0.62
29th
|
1.57
50th
|
2.81
79th
|
| Debt / assets | 38.6%
29th
|
50.0%
50th
|
68.6%
86th
|
| Debt / capital | 58.3%
36th
|
61.3%
50th
|
73.9%
79th
|
| Debt / EBITDA | 39.58
100th
|
5.38
38th
|
17.19
92nd
|
| Net debt / EBITDA | 17.53
100th
|
5.34
38th
|
17.03
92nd
|
| Interest coverage (EBIT / interest) | −0.3x
7th
|
6.7x
86th
|
1.0x
14th
|
| Cash interest coverage | 2.6x
36th
|
3.5x
64th
|
2.4x
29th
|
| Debt payback (years of OCF) | 5.0 yrs
31st
|
11.7 yrs
77th
|
11.2 yrs
69th
|
| Liabilities / assets | 64.7%
29th
|
68.4%
43rd
|
75.8%
71st
|
| IS credit model rating | BBB | BBB | B |
| Implied credit spread (bps) | 275
14th
|
275
14th
|
750
79th
|
Efficiency
11 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Asset turnover | 2.10
86th
|
1.83
71st
|
1.04
36th
|
| Fixed asset turnover | 7.63
86th
|
5.69
43rd
|
6.77
71st
|
| Inventory turnover | 7.6
75th
|
5.5
25th
|
7.1
58th
|
| Receivables turnover | 71.9
86th
|
31.3
50th
|
138.8
93rd
|
| Days sales outstanding | 5 days
14th
|
12 days
50th
|
3 days
7th
|
| Days inventory outstanding | 48 days
25th
|
66 days
75th
|
51 days
42nd
|
| Days payables outstanding | 16 days
43rd
|
12 days
21st
|
14 days
29th
|
| Cash conversion cycle (days) | 37 days
43rd
|
66 days
71st
|
40 days
50th
|
| Capex / revenue | 0.8%
0th
|
0.9%
14th
|
1.6%
50th
|
| Capex / depreciation | 0.70
21st
|
1.73
64th
|
1.22
43rd
|
| Operating expense ratio | 9.5%
14th
|
12.0%
21st
|
7.1%
7th
|
Cash flow & earnings quality
7 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Operating cash flow / net income | 0.71
17th
|
0.84
33rd
|
5.47
100th
|
| FCF / net income | 0.59
50th
|
0.51
42nd
|
3.92
100th
|
| FCF / operating cash flow | 82.9%
86th
|
60.5%
64th
|
71.7%
79th
|
| Capex / operating cash flow | 17.1%
14th
|
39.5%
36th
|
28.3%
21st
|
| Accruals ratio | 3.7%
100th
|
0.8%
79th
|
-4.9%
36th
|
| Sloan accruals ratio | 12.0%
100th
|
2.0%
86th
|
-2.8%
64th
|
| Earnings quality score (0-1) | 0.50
17th
|
0.75
25th
|
1.00
67th
|
Scores & forensic checks
15 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| IS score | 61
100th
|
44
86th
|
29
21st
|
| IS profitability | 48
86th
|
28
64th
|
11
0th
|
| IS growth | 82
100th
|
44
67th
|
23
8th
|
| IS value | 37
14th
|
72
79th
|
59
50th
|
| IS momentum | 83
100th
|
60
50th
|
57
25th
|
| IS risk (safety) | 100
86th
|
80
64th
|
30
14th
|
| IS quality | 54
64th
|
49
50th
|
45
36th
|
| IS balance sheet | 48
71st
|
35
64th
|
28
50th
|
| IS earnings quality | 72
36th
|
84
64th
|
89
93rd
|
| IS cash flow | 50
71st
|
26
29th
|
60
93rd
|
| Piotroski F-score (0-9) | 5
50th
|
5
50th
|
6
71st
|
| Altman Z-score | 5.3
100th
|
3.1
64th
|
1.8
29th
|
| Beneish M-score | 1.37
100th
|
−2.34
83rd
|
−2.40
67th
|
| Ohlson O-score | −8.23
14th
|
−6.95
29th
|
−6.67
43rd
|
| IS credit score | 57
86th
|
56
79th
|
27
7th
|
Size (TTM)
8 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| Market cap | $64.5B
100th
|
$13.9B
93rd
|
$7.6B
86th
|
| Revenue | $25.1B
71st
|
$32.9B
93rd
|
$27.6B
86th
|
| EBITDA | $142.0M
7th
|
$1.7B
100th
|
$1.0B
71st
|
| Net income | $1.6B
100th
|
$936.0M
93rd
|
$292.4M
64th
|
| Free cash flow | $929.0M
93rd
|
$477.6M
79th
|
$1.1B
100th
|
| Total assets | $14.6B
71st
|
$18.5B
86th
|
$26.1B
93rd
|
| Shareholders' equity | $4.0B
79th
|
$5.8B
86th
|
$6.3B
93rd
|
| Employees | 23,100
71st
|
28,600
93rd
|
27,796
86th
|
Price performance
9 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| 1 day | −3.0% | +0.2% | +1.4% |
| 1 week | −7.7% | +8.3% | +1.4% |
| 1 month | −10.7% | −1.1% | −8.7% |
| 3 months | −8.3% | +8.6% | −4.6% |
| 6 months | −24.1% | +31.7% | +30.4% |
| Year to date | −26.5% | +35.5% | +35.7% |
| 1 year | −17.2% | +25.3% | +20.1% |
| 3 years, cumulative | +677.1% | +44.6% | −22.8% |
| 5 years, cumulative | +4.1% | +124.9% | −59.1% |
Technicals
4 measures| Measure | CVNA | PAG | KMX |
|---|---|---|---|
| RSI 14 | 38.2 | 59.7 | 43.7 |
| From 52-week high | −39.6% | −6.4% | −18.3% |
| From 52-week low | +8.0% | +51.6% | +76.2% |
| Beta | 3.55 | 0.91 | 1.23 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17